Important Disclosures

Q Credit is a tribal lender of the Rosebud Sioux Tribe of Indians operating within the boundaries of the Rosebud Indian Reservation of South Dakota, a sovereign nation located within the United States of America. Loans from Q Credit are governed by the laws of the Rosebud Sioux Tribe, not the laws of your resident state. The laws of your resident state may have interest rate limits and other consumer protection provisions that are more favorable. If you wish to have your resident state laws apply, you should consider taking a loan from a licensed lender in your state.

This is an expensive form of credit. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Before borrowing, please consider whether you will be able to repay any amount you borrow along with the interest charges disclosed to you in your loan agreement. Customers with continued credit difficulties should seek credit counseling.

Refinancing may be available and is not automatic. Refinancing your loan will extend the term of the loan and result in additional interest charges. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement or the Loan Cost & Terms. If you don't make a payment on time we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA).

Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

1First-time Q Credit customers typically qualify for an installment loan of $500 to $1,000, with an APR of 299.17% to 329.10%. A $700 loan from Q Credit would require 20 bi-weekly installments of $97.60 including $1,252.04 of interest and an APR of 329.09%. After the 20th successful payment, your loan would be paid in full. Refer to Loan Cost & Terms for additional details.

*In most cases, applications that are received and can be verified prior to 5 p.m. Central Time (Monday – Friday) will be funded the next business banking day (excluding weekends and bank holidays). Applications received after 5 p.m. Central Time (Monday – Friday) may require an additional business banking day to fund. In some cases, we may not be able to verify your application information and may ask you to provide certain, additional documents.

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